Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, these creditors have violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75605
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: I applied for this card ( the Amazon Secured Card Managed by Synchrony Bank XXXX XXXX ) with the expectation and understanding that I would receive a card with a Visa or MasterCard logo and even while secured ( with my own money ) the understanding that I would be able to use this card anywhere. I just came out of a long rehabilitative process and I'm trying to do right by the laws and by being responsible credit-wise. I make and enjoy purchases from amazon.com and because of the breadth of AMAZON I had no reason to question that anything its name is on has a reputation as good as it ( amazon.com ) After they got my money ( the security deposit ) I was then told that it was only a card to be used strictly for Amazon.com purchases and then that it had no logo. Even coming to grips with this I still asked for the card and I was told that it will come in the mail ( which I waited and it never did ). Somewhere in the process I was able to review my credit report and saw that Synchrony reported ( somewhat favorably ) so within that I looked forward despite my initial plan to close out the account for misrepresentation. I didn't know much about the card or even how it worked but I knew that I should be able to make purchases from Amazon on it, my security deposit 's worth. Everything dealing with that card and dealing with Synchrony Bank is especially difficult, and the kicker is they don't let you know the account number which is on that card and anything pertaining to having access to your money is super slow especially when you make a lot of purchases from Amazon like I do. Recently I needed to change the phone number on the account. The number I used to set the account up, I'm not using that number much anymore so I went to the usual channels I'm talking to customer support and even trying to change the number with only access they have at their website. It was weird because it was so difficult and pretty much everything dealing with them they offer to paper mail things to you which will take 7 to 10 business days even to gain access. The culmination of the whole thing is that when they did end up coming with a solution to change the number they offered to send the OTP to a number with the last four digits I didn't recognize or to send it to a number of my choosing ( the number of my choosing mysteriously didn't work and mysteriously, customer service 's attempts to send the OTP to the number on the account didn't work either ) Upon humbling myself and many calls and talking sweetly to customer service I found out that the number they presented me with was an old number ( possibly with an old bill - more than 20 years ago ) that the data collection company " XXXX '' has on their records and Synchrony is " leveraging '' by squeezing my money and making me succumb to being victimized by XXXX tactics because they feel they have no other options much like many people who apply for this card do. I just think it's low down dirty and underhanded for them to introduce ( ever so casually ) some other left field factor to propagate XXXX 's data collection aggregation, without which I am denied XXXX century convenience of access to what's mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I did not make the application for this card no reason for it to be on my credit report please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78253
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33607
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: ALL I KNOW THAT LOWE 'S ADVANTAGE GROUP .. IS NOT HELP NO ONE CAN'T HELP YOU WITH NOTING!!! HELP COME FROM THE CREDIT BUREAU...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75232
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/23, when I was preparing to check & pay my Amazon store card balance, I found a balance of over {$1.00}, in purchases made throughout the month of XXXX. This purchases were not in my Amazon online account website under my purchase history. I immediately reported on XX/XX/23. My account was close and told it would be under investigation. Since then it was month with no correspondence, but instead was issued a new card with the diputed balance. When I called to asked why, I was told that this is procedure, but that I would not be required to make payment or have any negative affect on my credit score. Both un true. I have since have many calls and at there request sent them copies off my Amazon account, where none of the many purchases in dispute is shown. To this date I continue to receive payment request for fraudulent charges and accruing late fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I didnt authorize any or these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: This incident happened at the XXXX XXXX store with the address XXXX XXXX XXXX XXXX , XXXX, CA XXXX. On XX/XX/2023, at approximately XXXX XXXX. I went to the above XXXX XXXX store with my husband to purchase a king-size bedroom set. When we got to the store, one of their customer service people showed us what they had on the king size. After that, we were able to make our choice on what to purchase. My husband told him that we wanted to do financing, and we wanted a situation where we could pay with our own credit card. He explained to us two ways we can do that. He stated that we could make payment with their store card by opening an account with them and it is going to be 0 %, or we could pay with our credit card but it comes with some percentage. my husband asked him multiple times if their store card was a CREDIT CARD, and HE STATED, " NO '' He further stated that the card would be sent by Synchrony Bank. Additionally, he stated that we don't need the card to make payments, the purpose of the card is to track sales. my husband asked him again if the card was a credit card and he said " No '' Finally, we decided to go with their store card as he called it. and he started filling in my information on the tablet he had. moments later, he gave me the tablet to sign. when I was reading the questions and signing the information. My husband called the attention of the customer service person again and told him that this was a credit card that they were applying here. He asked him why they lied to us that it was not a credit card. he kept quiet without saying anything. My husband further told him that this is like applying for a store credit card. He IMMEDIATELY told customer service that we were no longer interested both in the card and in purchasing anything again. We left the store without purchasing anything or completing the signing of the application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95337
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SYNCB/AMAZONCML ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are showing on my credit report which I don't recognize. I tried to file a complaint before to these companies to remove it from my credit report, but no action was taken.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01876
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I did not authorize any of these inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A